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If you are contemplating filing a Chapter 13 bankruptcy you probably have many questions such as will your creditors stop calling you and what type of debts can you include in your bankruptcy filing.  Your bankruptcy attorney can answer all of your bankruptcy questions; however, if you want to get more information before your first visit, you can read FindLaw’s “Chapter 13 Bankruptcy Rules FAQ.” Image credit:  Sebastlen Wlertz … [Read more...]

It is never too early to begin thinking about next year’s tax return. You can take steps now to lower your tax bill and put more money in your pocket.  What you do today will have an impact on the amount of taxes you will owe next year.  For example, contributing to a flexible spending account is an easy way to pay your healthcare expenses with tax-free money while lowering your taxable income. For nine more ways to lower your taxes read, “Ten Ways to Lower Your Taxes.” Image credit:  … [Read more...]

Have you dreamed of buying one of those grand old homes that they don’t seem to build anymore?  Old homes have a charm that is missing in newer construction but buying an older home does come with a set of problems that you typically do not find in newer construction.  All homes need upkeep and maintenance; however, with an older home you may have issues such as wiring that does not meet standard recommendations or paint with lead. To read about some of the common issues with older homes … [Read more...]

Do you want to save money?  If you are willing to invest some time and money, you can save much more money in the long term by making some much needed home repairs.  Most of us love the idea of upgrading our home until we look at the cost.  You probably also have a list of things you want to “get to” around the house but never seem to find the time or money.  By making these a priority, you can improve your home and save money. For nine repairs that will save you money read, “Cheap Home … [Read more...]

t is back-to-school time and many parents will be searching for after-school care for their children.  Some parents may be searching for a new daycare for a variety of reasons (i.e. cost, dissatisfaction, etc.).  In order to make sure that you choose a daycare that is both cost-effective and safe for your child you must do some homework of your own. To learn how you can use law-related or legal resources to find a new daycare read, “5 Legal Tips for Choosing a New Daycare.” Image credit:  … [Read more...]

If you ask most people, even some inexperienced bankruptcy attorneys, they will tell you that it is impossible to discharge student loan debts.  This is a myth and is not true.  Student loans may be discharged in bankruptcy under certain circumstances. The criteria for having a student loan discharged are strict and the procedure may be a little complex; however, it is not impossible.  An experienced bankruptcy attorney can review the individual’s situation to determine if he or she qualifies … [Read more...]

A 2014 study by the University of North Carolina Center for Community Capital has concluded what bankruptcy attorneys have known for quite some time – filing bankruptcy stops foreclosures.  The study entitled "Bankruptcy During Foreclosure: Home Preservation Through Chapters 7 and 13” found that if a homeowner filed for bankruptcy relief during a foreclosure proceeding, the homeowner reduced the risk of losing his home by 70%. For more details from the study and to get more information about … [Read more...]

Being in debt is frustrating, stressful and emotionally draining.  Money problems can quickly overwhelm you and cause you to be depressed as you try to find a solution to your financial problems.  Even though you may not be able to immediately fix your financial problems, you can take steps to start feeling better as you continue to work on your financial troubles. For tips on how to beat money depression read, “7 Steps to Defeat Money Depression.” Image credit:  B Rosen … [Read more...]

A lease is a legally enforceable agreement; therefore, you need to know your rights and responsibilities as a tenant.  Unfortunately, sometimes things will go wrong and you will need to rely on the terms of your lease to settle the issue.  If you have never signed a lease or if you have had a bad experience as a tenant, you should consider the advice given by experts about signing a lease. For helpful advice about signing a lease read, “6 Things Renters Should Do Before Signing a … [Read more...]

In order to make sure that your final wishes are honored when you die, it is important that you consult an attorney to determine the estate planning documents you will need.  In addition to having a Final Will and Testament, many people also find that they need a power of attorney, living will or advance medical directive.  All of these documents serve a specific purpose to ensure that your wishes are carried out. For more information about estate planning documents read, “3 Estate Planning … [Read more...]